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Archive for the ‘Travel Insurance’ Category

The car left us stranded, the hotel is a horror, the couple seriously ill … A pleasant vacation can be transformed overnight into a nightmare. Insurance travel assistance to help quickly solve almost any problem. Although sometimes we already have insurance contracts (the car, the home, credit card …) may be more than enough.

If going by car, just car insurance
According to the analysis of the OCU, the car insurance coverage is enough to travel by road using this means of transport. In case of breakdown or accident covers the delivery of the crane, the custody of the vehicle and alternative transport for onward travel or return to the home. And its geographical coverage is extensive, since it includes traveling by car through Europe and the Mediterranean countries.
In any case, review the conditions of your policy before you travel by car. Be aware that some manufacturers also offer assistance during the warranty period of the vehicle. And automobile clubs have added services that can be interesting.
Of course, in case your car is only insured to the Insurance Compensation Consortium, which covers only liability, you will need to hire a specific travel insurance.
If traveling abroad, review all your policies

Not all countries have public health coverage (and free) as complete as ours. So if you are traveling abroad, you should hire a specific insurance. Otherwise you may face very high costs, a serious illness with hospitalization of 7 days and subsequently moved to a Spanish hospital can cost between 18,000 and 80,000 euros depending on how far you are home.

But before hiring a medical insurance abroad specific review that has already contracted insurance, their coverage is cumulative. Car insurance typically cover certain medical expenses, as well as relatives of the policyholder, but traveling separately. Some home insurance have some health coverage (including up to 12,000 euros). And some credit cards also include a health care insurance.

More comfortable with a specific insurance

Specific travel insurance offer coverage broader. For example, prolonging the patient’s stay in hotel by prescription (maximum 10 days), passenger travel and lodging in case of hospitalization, return of the insured family grave cause, compensation for lost or stolen baggage, legal assistance in the abroad for criminal, civil, and even ahead of bonds, and return travel expenses for cancellation.
Note that if you purchase a package (flight, hotel, tours) it is normal travel insurance with travel assistance, but is generally insufficient. In addition, rarely gives the consumer the documentation with the insurance conditions. Ask your agency or with whom the trip is. The price of insurance varies depending on trip duration and coverage. Compare between different insurers before hiring.
Do not forget any role

Before leaving home, take in hand the phone for assistance and the policy number to call if necessary, and also keep data secure a family member. If you have a mishap, do not purchase anything without checking with the insurance may not cover it. Keep bills and what you bought certificates of medical care.
In addition to insurance papers, passports and visas, do not forget your EHIC. With it, you travel through Europe, we apply the same health rights as residents of the country you visit (although in some places there are to pay for certain services). If traveling by car insurance ask your green card for driving in Europe. For some countries outside the EU will need the International Driving Permit (for 9 euros, the Provincial Traffic Department).

When we travel to certain destinations is almost essential to get a travel insurance , and to resolve other minor issues that may arise on any trip and lost luggage, overbooking or flight delays that are the most frequent.
However, there are other contingencies that may spoil the holiday as the theft of baggage, accident, illness, death in the family and forced a hasty return or even to cancel a paid vacation and still not disfrutadas.Distintos types of travel insurance: Minimum insurance: is included (free) combinandos travel (accommodation + travel) offered by agencies and is related exactly to the displacement.
Coverage:

-Delay of more than 5 hours at the start: if due to a delay trip holder loses a connection to another flight or conveyance, the company should provide an alternative transportation and even a place to stay overnight, if necessary. Depending on the type of ticket, you can even apply for compensation.

Trip-Cancellation of technical problems or the company: the owner is entitled to a refund of the costs of their stay required (food and lodging).

-Overbooking: depending on the price paid for the ticket, the compensation range: refund of the ticket price, change the date of travel at the convenience of the owner, be driven to the final destination as quickly as possible … Read the rest of this entry »

The travel cancellation insurance uninitiated are the best option when protecting the money invested in your vacation. If before a trip, for serious medical reasons or hospitalization of an insured or family member they are unable to travel, travel cancellation insurance, reimbursed according to the conditions and limits set on the costs that the cancellation of your flight would have caused .

These cancellation insurance are widely recommended to hiring crucros trips, visits to world football programs, etc.. Ta, also interesting when it pays to hire a trip well in advance when personal or professional situation is complicated and does not know whether you can really enjoy the journey. Instead, it is not necessary if the trip is late and is almost certainly not be a problem. Nor should we forget that some credit cards, when a trip is paid by them, including cancellation cover. Therefore, before such insurance is necessary to check if our card offers such coverage, otherwise we would pay an amount that was not necessary to pay and would duplicate the product, but we could only benefit from the coverage of one of the two insurance.

The need to hire this type of insurance is determined by the type of sudden we want to anticipate and cover, especially when it comes to tours. The reason is this: By law, travel agencies can not charge any money for management fees and cancellation if the cancellation is due to force majeure (illness, accident or death of the insured or an immediate family member) and always it can be demonstrated. This means that the actual usefulness of cancellation insurance is focused on other contingencies, such as labor problems or changes in the dates of holidays, to name a few, because the causes of force majeure is not necessary to cover them. Finally, another key and little known of such insurance: do not cover cancellations made less than 48 hours before departure.